Denver FHA Loan Rates, Closing Costs & Stats

DENVER-AURORA-LAKEWOOD, CO

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Denver's 210 lenders originated 8,869 FHA loans during 2024. The total origination value was $4,116,585,000, with an average FHA loan value of $464,154.

Denver FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Denver averaged -0.13% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

Denver's average FHA mortgage closing costs are $11,763.

The average rate for the prior week (2025-06-27) was 6.45% and one month ago for the week of 2025-05-30, the average rate was 6.43%.

The average rate one year ago was 6.65%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.17%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Denver FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Denver level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 1,323 5.95% $18,251
AMERICAN FINANCING CORPORATION 414 5.91% $17,850
QUICKEN LOANS, LLC 385 6.11% $16,034
EAGLE HOME MORTGAGE, LLC 321 4.56% $12,706
HOMEAMERICAN MORTGAGE CORPORATION 250 4.86% $10,832
LOANDEPOT.COM, LLC 248 5.61% $17,570
GUILD MORTGAGE COMPANY 242 6.59% $15,643
CROSSCOUNTRY MORTGAGE, LLC 231 6.46% $16,283
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 222 6.54% $16,344
Loan Simple, Inc. 212 6.77% $15,493
FREEDOM MORTGAGE CORPORATION 173 5.99% $19,474
HOMESIDE FINANCIAL, LLC 168 6.55% $15,658
V.I.P. MORTGAGE, INC. 165 6.21% $17,756
DHI MORTGAGE COMPANY, LTD. 161 5.10% $16,300
BROKER SOLUTIONS, INC. 159 6.57% $16,969
INSPIRE HOME LOANS INC. 137 4.96% $13,422
Ixonia Bank 127 6.64% $16,206
Paramount Residential Mortgage Group, Inc. 113 6.57% $15,702
NEST HOME LENDING, LLC 107 5.46% $17,396
PENNYMAC LOAN SERVICES, LLC 107 5.85% $16,468
S1L, Inc. 104 6.51% $15,403
MOVEMENT MORTGAGE, LLC 90 6.62% $16,307
EVERETT FINANCIAL, INC. 83 6.59% $17,850
NEWREZ LLC 79 6.25% $15,680
ZILLOW HOME LOANS, LLC 75 5.96% $17,503
NFM, INC. 71 6.14% $16,577
American Mortgage & Equity Consultants, Inc. 67 5.87% $17,329
South Pacific Financial Corporation 63 5.39% $12,379
CMG MORTGAGE, INC. 62 6.16% $15,496
Plains Commerce Bank 56 6.10% $15,974
PLANET HOME LENDING, LLC 55 6.08% $17,282
KBHS HOME LOANS, LLC 54 4.79% $13,806
Equity Prime Mortgage LLC 52 6.91% $18,781
LAKEVIEW LOAN SERVICING, LLC 50 6.16% $11,310
M2 Lending Solutions, LLC 50 6.38% $15,709
Mr. Cooper ( Nationstar Mortgage ) 49 6.43% $17,775
Century Mortgage Company DBA Century Lending Company 45 6.12% $18,370
SUN WEST MORTGAGE COMPANY, INC. 44 6.01% $21,173
GUARANTEED RATE, INC. 43 6.02% $15,551
PRIMARY RESIDENTIAL MORTGAGE, INC. 41 6.46% $5,229
Keystone Funding, Inc. 41 5.99% $15,948
JET HOMELOANS, LLC 41 5.82% $16,214
The Loan Store, Inc. 38 6.02% $17,479
Flagstar Bank, FSB 38 6.21% $15,624
ENVOY MORTGAGE, LTD 37 6.75% $15,914
Ent Credit Union 36 6.07% $11,386
ARK-LA-TEX FINANCIAL SERVICES, LLC. 33 6.71% $13,458
SOUTHWEST FUNDING, LP 32 6.92% $16,992
Northpointe Bank 30 6.44% $17,642
LOANPAL, LLC 29 5.52% $18,074
PLAZA HOME MORTGAGE, INC. 28 6.46% $17,610
TOWNE MORTGAGE COMPANY 28 6.05% $13,619
PRIMELENDING, A PLAINSCAPITAL COMPANY 27 6.48% $15,304
MEGASTAR FINANCIAL CORP. 26 6.08% $15,899
VILLAGE CAPITAL MORTGAGE 23 5.96% $14,541
GUARANTEED RATE AFFINITY, LLC 22 6.32% $14,120
Elevations Credit Union 22 6.11% $14,674
Bank of England 22 6.60% $17,544
LAND HOME FINANCIAL SERVICES, INC. 22 7.07% $27,664
SWBC MORTGAGE CORPORATION 21 6.43% $10,111
PULTE MORTGAGE LLC 21 5.19% $14,033
NOVA FINANCIAL & INVESTMENT CORPORATION 21 6.49% $11,301
Sunflower Bank 19 6.05% $14,065
BOKF 18 6.38% $18,431
BAY EQUITY LLC 17 6.73% $15,768
THE MORTGAGE COMPANY 16 6.26% $14,959
AMERICAN FINANCIAL NETWORK, INC. 16 7.03% $18,142
PHH Mortgage Corporation 15 6.08% $17,998
SUMMIT FUNDING, INC. 15 6.73% $15,683
MUTUAL OF OMAHA MORTGAGE, INC. 14 6.22% $19,391
UNION HOME MORTGAGE CORP. 14 6.36% $14,156
The Huntington National Bank 14 6.24% $16,053
Carrington Mortgage Services, LLC 14 6.39% $20,988
Prosperity Home Mortgage, LLC 14 6.29% $13,088
HOMEBRIDGE FINANCIAL SERVICES, INC. 14 6.19% $16,853
Lakeview Community Capital, LLC 14 6.12% $12,447
US MORTGAGE CORPORATION 13 6.76% $16,689
OCMBC, INC. 13 6.51% $16,343
LEADERONE FINANCIAL CORPORATION 12 6.63% $19,220
SECURITYNATIONAL MORTGAGE COMPANY 11 6.74% $19,456
TBI MORTGAGE COMPANY 11 5.67% $15,083
CARDINAL FINANCIAL 10 6.27% $18,135
MICHIGAN MUTUAL, INC. 10 6.15% $17,027
U.S. Bank 10 6.29% $18,192
AMERISAVE MORTGAGE CORPORATION 10 6.11% $21,654
INTERCAP LENDING INC. 10 6.23% $14,181
NBH Bank 10 6.44% $11,737
First Western Trust Bank 9 6.03% $12,890
IDEAL HOME LOANS LLC 9 6.24% $15,067
ALLIED MORTGAGE GROUP, INC. 9 6.18% $16,278
Nations Lending Corporation 9 5.90% $17,856
AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.14% $22,898
BMO Harris Bank 9 6.51% $14,594
FBC MORTGAGE, LLC 8 4.99% $13,566
DIRECT MORTGAGE, CORP. 8 5.44% $34,653
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 8 6.52% $18,734
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 8 6.20% $14,537
NBKC BANK 8 5.80% $13,048
MID AMERICA MORTGAGE, INC. 8 6.86% $8,719
MORTGAGE SOLUTIONS OF COLORADO, LLC 8 6.78% $14,585
Sierra Pacific Mortgage Company, Inc. 7 6.39% $14,275
AMERICAN FINANCIAL RESOURCES, INC. 7 6.88% $17,005
Mortgage Research Center, LLC 7 6.50% $10,370
Franklin Loan Corporation 7 6.18% $19,642
Commerce Home Mortgage, Inc. 7 6.14% $20,073
JMAC LENDING, INC. 7 6.52% $15,323
JPMorgan Chase Bank 7 6.02% $12,501
AmeriHome Mortgage Company, LLC 7 6.32% $13,581
CANOPY MORTGAGE, LLC 6 6.42% $23,957
The Federal Savings Bank 6 6.40% $18,920
CITYWIDE HOME LOANS, LLC 6 6.39% $20,008
CORNERSTONE HOME LENDING, INC. 6 6.46% $14,978
CASTLE & COOKE MORTGAGE, LLC 6 6.58% $18,013
Servion, Inc. 5 6.75% $18,738
Summit Mortgage Corporation 5 5.80% $19,187
MORIA DEVELOPMENT, INC. 5 6.95% $15,547
BETTER MORTGAGE CORPORATION 5 5.65% $18,556
UNIVERSAL LENDING CORPORATION 5 5.15% $17,205
Shea Mortgage Inc. 5 5.70% $14,375
GENEVA FINANCIAL, LLC 4 5.91% $21,930
Bank of America 4 5.88% $17,747
CHURCHILL MORTGAGE CORPORATION 4 6.31% $21,081
FIRST COLONY MORTGAGE CORPORATION 4 6.06% $15,017
HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.31% $15,867
Independent Bank 4 6.13% $16,055
NATIONWIDE MORTGAGE BANKERS, INC. 4 6.63% $26,053
RANLIFE, INC. 4 6.31% $19,228
VAN DYK MORTGAGE CORPORATION 4 6.75% $14,844
ISERVE RESIDENTIAL LENDING, LLC 3 5.58% $18,989
Financial Funding Solutions, Inc. 3 5.83% $12,064
NMSI, INC. 3 5.83% $16,530
Florida Capital Bank 3 6.08% $13,440
Cornerstone First Mortgage, Inc 3 5.71% $18,387
OPEN MORTGAGE, LLC 3 7.13% $16,844
VERITAS FUNDING, LLC 3 6.25% $23,089
NATIONS DIRECT MORTGAGE, LLC 3 6.41% $20,346
INTELLILOAN, INC. 3 5.75% $6,413
Waterstone Mortgage Corporation 3 6.75% $15,915
Gateway First Bank 3 6.92% $21,477
Texana Bank 3 5.75% $21,414
LADERA LENDING, INC. 3 6.38% $12,897
UMB Bank 2 5.56% $20,462
HUNT MORTGAGE CORPORATION 2 5.75% $22,483
RESIDENTIAL BANCORP 2 6.94% $18,427
ON Q FINANCIAL, INC. 2 6.50% $18,357
ALTITUDE FINANCIAL CORPORATION 2 5.50% $9,218
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 7.13% $15,671
City Lending Inc. 2 8.00% $21,804
Network Funding, L.P. 2 6.56% $13,583
OCEANSIDE MORTGAGE COMPANY 2 6.06% $6,717
CENTENNIAL LENDING, LLC 2 6.69% $10,777
NEW WAVE LENDING GROUP INC 2 5.00% $13,118
CALCON MUTUAL MORTGAGE LLC 2 6.50% $16,449
BAY-VALLEY MORTGAGE GROUP 2 7.13% $16,299
FIRST CONTINENTAL MORTGAGE, LTD. 2 5.87% $10,729
The Central Trust Bank 2 5.44% $11,625
KeyBank 2 6.38% $14,100
JLB CORPORATION 2 5.50% $17,917
ENDEAVOR CAPITAL, LLC. 2 6.06% $13,271
ENCORE BANK 2 6.81% $12,298
HOMEXPRESS MORTGAGE CORP. 2 5.81% $17,845
TruHome Solutions, LLC 2 6.63% $13,127
THOMPSON KANE & COMPANY, LLC 1 6.50% $11,764
TOP FLITE FINANCIAL, INC. 1 6.63% $13,657
Towne Bank 1 7.13% $11,830
AmRes Corporation 1 7.13% $12,040
Ameris Bank 1 5.25% $25,296
UNITED HOME LOANS, INC. 1 7.25% $16,668
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.75% $14,504
Alpine Bank 1 6.25% $12,818
ALKAN MORTGAGE CORPORATION 1 6.25% $15,491
A&D Mortgage LLC 1 6.50% $18,257
ALAMEDA MORTGAGE CORPORATION 1 6.13% $16,317
AHL FUNDING 1 6.63% $17,740
MASON MCDUFFIE MORTGAGE CORPORATION 1 5.63% $14,223
Magnolia Bank 1 5.75% $18,996
LIBERTY HOME MORTGAGE CORPORATION 1 6.75% $14,091
Wells Fargo Bank 1 6.50% $12,668
INTEGRITY MORTGAGE & FINANCIAL INCORPORATED 1 5.63% $19,328
NETWORK CAPITAL FUNDING CORPORATION 1 6.50% $19,718
Hometown Equity Mortgage, LLC 1 5.75% $13,743
GREENSTATE CREDIT UNION 1 6.13% $10,913
Goldwater Bank, N.A. 1 6.63% $23,036
NuVision Federal Credit Union 1 5.25% $14,656
GEO-CORP, INC. 1 6.50% $22,636
Academy Bank 1 6.75% $11,497
PENTAGON FEDERAL CREDIT UNION 1 5.50% $22,055
Performance Financial, Inc. 1 5.50% $17,029
FLAT BRANCH MORTGAGE, INC. 1 6.00% $10,793
First National Bank of Omaha 1 6.63% $11,923
Fifth Third Bank 1 6.63% $9,220
Princeton Mortgage Corporation 1 7.88% $19,991
PROPER RATE, LLC 1 6.75% $8,430
FAMILY FINANCE MORTGAGE, LLC 1 6.75% $11,267
WESTERRA CREDIT UNION 1 6.63% $7,686
Residential Acceptance Corporation 1 6.88% $12,449
EMBRACE HOME LOANS, INC. 1 6.63% $12,718
Commerce Bank 1 7.13% $3,736
COASTAL FUNDING SLC, INC. 1 6.00% $18,166
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $4,612
Strong Home Mortgage, LLC 1 5.13% $18,492
SUCCESS MORTGAGE PARTNERS, INC. 1 5.99% $33,710
Chickasaw Community Bank 1 7.63% $18,495
Centennial Bank 1 5.75% $12,320
T2 FINANCIAL LLC 1 6.13% $14,792
BAYSHORE MORTGAGE FUNDING, LLC 1 6.25% $12,357
Bank of Colorado 1 6.13% $10,791
Axos Bank 1 6.75% $13,465
AXIA FINANCIAL, LLC 1 5.50% $20,137
Arvest Bank 1 5.88% $12,790

The top Denver FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,323 FHA loans originated. Their average total fees are $18,251, which is $400 higher than the next largest lender, AMERICAN FINANCING CORPORATION.

The lowest fee Denver FHA lenders (with over 10 loans originated) are PRIMARY RESIDENTIAL MORTGAGE, INC. ($5,229), SWBC MORTGAGE CORPORATION ($10,111), HOMEAMERICAN MORTGAGE CORPORATION ($10,832), NOVA FINANCIAL & INVESTMENT CORPORATION ($11,301) and LAKEVIEW LOAN SERVICING, LLC ($11,310).

The lowest rate Denver FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.56%), KBHS HOME LOANS, LLC (4.79%), HOMEAMERICAN MORTGAGE CORPORATION (4.86%), INSPIRE HOME LOANS INC. (4.96%) and DHI MORTGAGE COMPANY, LTD. (5.10%).

Denver FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
DENVER-AURORA-LAKEWOOD, CO ADAMS 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO ARAPAHOE 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO BROOMFIELD 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO CLEAR CREEK 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO DENVER 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO DOUGLAS 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO ELBERT 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO GILPIN 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO JEFFERSON 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO PARK 2022 $684,250 $875,950 $1,058,850 $1,315,900
DENVER-AURORA-LAKEWOOD, CO ADAMS 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO ARAPAHOE 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO BROOMFIELD 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO CLEAR CREEK 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO DENVER 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO DOUGLAS 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO ELBERT 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO GILPIN 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO JEFFERSON 2023 $787,750 $1,008,450 $1,219,000 $1,514,950
DENVER-AURORA-LAKEWOOD, CO PARK 2023 $787,750 $1,008,450 $1,219,000 $1,514,950

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).